Insuring your home is a smart way of protecting your costly investment. If your home is vandalized or damaged by a natural disaster, home insurance helps you recuperate your losses. At Modern Risk Management, we offer quality home coverage for homeowners in Houston, TX and surrounding communities. Here’s why you should ensure your abode.

Protection against Disaster Damage

Texas is prone to numerous natural disasters that include tropical storms, tornadoes, and wildfires. If your home or goods are damaged or destroyed in a disaster, home insurance helps cover the cost of repairing or replacing your valuable investments, so you don’t lose all that you own.  

Protection against Theft and Vandalism

Home insurance also protects your goods against theft and vandalism. You can choose between actual cash value or replacement cost coverage. Actual cash value coverage covers the cost of replacing your goods minus depreciation. With replacement cost coverage, your insurer will pay for replacing your goods at current costs.  

Personal Liability Protection

Liability protects you financially against accidents that occur on your Houston, TX property. If a friend is hurt in an accident when visiting your home, liability insurance will pay his medical treatment to save you this expense out of pocket. Liability also pays for accidental damage to a visitor’s property.  

Protection from Lawsuit

If a home accident leads to a lawsuit, your liability coverage will help pay for your legal expenses and settlement, if you lose the lawsuit, up to the limits of your policy.

Peace of Mind

Lastly, home insurance gives you peace of mind that you’re protected against unforeseen events that can deplete your financial assets. You don’t have to worry about financial ruin due to disasters, lawsuits, or other catastrophes.

To learn more about home insurance protection or purchase a home policy, contact the insurance specialists at Modern Risk Management.